Bogota Financial Corp. (BSBK) vs Provident Financial Holdings, Inc. (PROV)
A side-by-side comparison of Bogota Financial Corp. and Provident Financial Holdings, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BSBK vs PROV
growth of $100 · dividends reinvested · last 7yBSBK vs PROV: by the numbers
- •BSBK is the larger company ($116M vs $115M market cap).
- •PROV trades at the lower trailing earnings multiple (18.04 vs 43.01 P/E), one valuation lens rather than an overall verdict.
- •PROV converts more revenue to profit (11.16% vs 5.99% net margin).
- •BSBK grew revenue faster over the past five years (11.45% vs 8.43% CAGR).
- •PROV pays a dividend (3.05% yield), while BSBK has no payments in the available dividend history.
Metrics side by side
Valuation
| Metric | BSBK | PROV |
|---|---|---|
| P/E ratio | 43.01 | 18.04 |
| Forward P/E | N/A | 13.68 |
| PEG ratio | N/A | 30.57 |
| P/S ratio | 2.68 | 1.93 |
| P/B ratio | 0.82 | 0.91 |
Profitability
| Metric | BSBK | PROV |
|---|---|---|
| Operating margin | 6.85% | 16.16% |
| Net margin | 5.99% | 11.16% |
| ROE | 1.82% | 5.27% |
Bogota Financial Corp.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Provident Financial Holdings, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BSBK | PROV |
|---|---|---|
| Dividend yield | N/A | 3.05% |
| Payout ratio | N/A | 54.90% |
Growth (annualized)
| Metric | BSBK | PROV |
|---|---|---|
| Revenue CAGR (5Y) | 11.45% | 8.43% |
| EPS CAGR (5Y) | 0.00% | 0.59% |
| Total return CAGR (5Y) | -2.60% | 5.47% |
Frequently asked
- Which has the lower trailing P/E, BSBK or PROV?
- PROV has the lower trailing P/E: BSBK trades at 43.01 and PROV at 18.04. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BSBK or PROV?
- Over the past five years, BSBK grew revenue faster — BSBK at a 11.45% CAGR versus PROV at 8.43%.
- Does BSBK or PROV pay a bigger dividend?
- PROV pays a dividend (3.05% yield), while BSBK has no payments in the available dividend history.
- Is BSBK or PROV more profitable?
- PROV runs the higher net margin — BSBK at 5.99% versus PROV at 11.16%.
- How have BSBK and PROV total returns compared?
- Over the past 5 years, BSBK delivered -2.60% and PROV delivered 5.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
Bogota Financial & Provident Financial appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.